First-Time Homebuyer Program

Assistance for First-Time Homebuyers

The Northfield HRA is excited to provide first-time homebuyers with the opportunity to receive assistance towards a down payment or closing costs. We provide up to $15,000 in a zero interest, deferred loan that is payable when the homeowner sells or refinances the first mortgage.


Buyers must meet income guidelines, be first-time homebuyers and purchase a home within the city limits. Single family homes, townhomes, or condominiums all qualify for this program.
Income eligible households must be at or below 80% of area median income for Dakota County. Amount of award is dependent on need and funds available.

Information & Application

For more information or to apply for this opportunity, please see the program guide and application.

As of January 2017

Family Size
60% of AMI Income Limits 80% of AMI Income Limits
1        $36,420               $46,100
2        $41,580               $52,650
3        $46,800               $59,250
4        $51,960               $65,800
5        $56,160               $71,100
6        $60,300               $76,350
7        $64,440               $81,600
8        $68,640               $86,900